--- title: How long does it take to process ERA and claims? description: "How long ERAs and claims take with Claim.MD: enrollment windows, typical payer timelines, the claim folders, and how to pull ERAs into Pabau." --- [Skip to content](https://support.pabau.com/en/pabau2/how-long-does-it-take-to-process-era-and-claims#main-content) [![pabau logo white](https://support.pabau.com/hubfs/pabau%20logo%20white.svg)](https://support.pabau.com/en/pabau2?hsLang=en) Open main navigation Close main navigation - [Get Support](https://pabau.com/support-center/) [Get Support](https://pabau.com/support-center/) Pabau Knowledge Base - There are no suggestions because the search field is empty. 1. [Pabau Knowledge Base](https://support.pabau.com/en/pabau2?hsLang=en) 2. [Insurance Billing](https://support.pabau.com/en/pabau2/insurance-billing?hsLang=en) 3. [Insurance Billing (US)](https://support.pabau.com/en/pabau2/insurance-billing?hsLang=en#insurance-billing-us) # How long does it take to process ERA and claims? ## How long should payments and remittances take? Once your claims are going out to Claim.MD, the next question is always "when do I get paid?" Insurance timelines are set by the payers, not by Pabau, but knowing the typical windows keeps your billing predictable and tells you when something has actually stalled rather than just working through the queue. **NOTE:** Insurance billing is available for practices in the United States. Claims go to payers electronically through the Claim.MD clearinghouse, using your own Claim.MD account. **What an ERA Is** An ERA (electronic remittance advice) is the digital version of an insurer's explanation of benefits: the notice that says how a claim was processed. It carries the billed amount, what the payer allowed, what they paid, any adjustments (with reason codes) and the client's share. In Pabau you pull ERAs in from Claim.MD, check the suggested invoice matches and post the payment, so you reconcile far faster than keying paper EOBs by hand. **Your Clearinghouse: Claim.MD** Pabau connects to payers through Claim.MD. It delivers your claims, checks them for formatting problems before they reach the payer, and returns the payers' responses and ERAs. You bring your own Claim.MD account, connected under **Setup → Claims → Claim.MD**. **How Long ERAs Take After Enrollment** ERAs only flow for payers you have enrolled for electronic remittance: **Setup → Claims → Claim.MD → Payers**, then **Complete enrollment** beside the payer. Each payer approves enrollment on its own schedule, from a few days to several weeks (up to about 30 days). Once a payer approves, ERAs usually start arriving within a few business days. Until then the payer may still pay the claim; you just won't get the electronic remittance. See [Electronic enrollments with insurance payers](https://support.pabau.com/en/pabau2/electronic-enrollments-with-insurance-payers?hsLang=en). **How Long Claims Take to Process** Processing time is the payer's, not Claim.MD's. Many payers finish in a few business days; some take a couple of weeks. The single best thing you can do is file at least one claim to a payer as early as possible. It gets your practice into their queue and surfaces any enrollment or credentialing gap while there's time to fix it. **How to See Where a Claim Is** **More → Claims** sorts every claim into folders: **Draft**, **Unsubmitted**, **Submitted**, **Response received**, **Approved**, **On hold**, **Rejected**, **Denied** and **Partially paid**. A claim with the payer sits in **Submitted**; once the payer answers it moves to **Response received**, and it reaches **Approved** or **Partially paid** when the payment is posted. [Understanding claim statuses on the Insurance claims list](https://support.pabau.com/en/pabau2/understanding-claim-statuses-on-the-insurance-claims-list?hsLang=en) explains every folder. Pabau checks Claim.MD for claim updates every 30 minutes. To check straight away, click **Refresh** above the claims list. The **Stalled** chip, shown when it has something in it, lists submitted claims that have stopped moving. **Getting ERAs Into Pabau** 1. On **More → Claims**, open the **Remittance** tab. The number beside it counts remittances still to be posted. 2. Click **Claim.MD remittances** to see the ERAs received on your Claim.MD account. Preview one to see its items and suggested invoice matches, then pull it in and post it on the match screen. ![The Remittance tab on More → Claims with the Claim.MD remittances button marked](https://support.pabau.com/hubfs/Pabau%202%20Knowledge%20Base/kb/obc-2026/444677396713-01-remittance-tab.png) *Pull ERAs in from the Remittance tab* You can also let Pabau watch for new ERAs: tick **Automatically check for new remittances (ERAs)** on the **Credentials** tab of your Claim.MD setup, and a count of new remittances appears on the Claim.MD remittances panel. It is off by default. See [Automatic checks for new remittances (ERAs)](https://support.pabau.com/en/pabau2/automatic-era-checks?hsLang=en) and [How to record insurer payments with remittances](https://support.pabau.com/en/pabau2/how-to-record-insurer-payments-with-remittances?hsLang=en). **Frequently Asked Questions** **My ERAs aren't arriving.** The payer's ERA enrollment is almost certainly still pending. Check the payer on the **Payers** tab of your Claim.MD setup. If you moved to Pabau from another system that was already receiving this payer's ERAs, that enrollment may need to be stopped there first before the new one can be approved. **A claim is taking longer than the others.** Some payers simply take weeks. Delays also come from missing or wrong codes, out-of-date insurance on the client, or a rejection waiting to be corrected. Open the claim and check its messages. **How do I check whether a claim has a problem?** Watch the **Rejected** and **Denied** folders and the **Stalled** chip on **More → Claims**. On the claim, the reason shows beside its status, and **Submissions & Acknowledgements** holds the full trail of payer and Claim.MD messages. **Can I see the payer's or Claim.MD's internal processing status?** No. Pabau shows what the payer and Claim.MD report back, and statuses update as those messages arrive. If a claim looks genuinely stuck, contact Claim.MD support and quote the Claim.MD reference from the claim's history. **A claim shows as paid but no money arrived.** The payer most likely paid outside Pabau, for example by paper check or through its portal. Contact the payer to confirm how and where the payment was sent. **My payer doesn't send ERAs. How do I settle the claim?** Open the submitted claim and use **Record payer payment**. Enter what the EOB reported on each line (the paid amount, and any adjustment group and code such as CO-45). Pabau settles the claim as it would from an ERA, which also lets you bill a secondary payer. Posting the money to the invoice stays your normal payment step. See [How to record a payer payment or denial from a paper EOB](https://support.pabau.com/en/pabau2/how-to-record-a-payer-payment-or-denial-from-a-paper-eob?hsLang=en). **How do I speed processing up?** Submit clean claims (validate before sending), keep each client's insurance current, use accurate CPT/HCPCS and ICD-10 codes, file promptly, keep an eye on your enrollments, and correct rejections quickly. **Do I have to enroll every payer separately?** Yes. ERA enrollment is per payer: enrolling one payer doesn't enroll the others. **What's Next?** - [Insurance Guide Part 4: Submit and track insurance claims](https://support.pabau.com/en/pabau2/insurance-guide-part-4-submit-and-track-insurance-claims-in-pabau?hsLang=en) - [Tracking electronic claim submissions](https://support.pabau.com/en/pabau2/tracking-electronic-claim-submissions?hsLang=en) - [Insurance Guide Part 1: Set up the essentials](https://support.pabau.com/en/pabau2/insurance-guide-part-1-set-up-the-insurance-essentials-in-pabau?hsLang=en) Questions? Reach us any time via the in-app chat. We're happy to help. --- Was this guide helpful? Let us know by voting below - your feedback helps us write clearer articles. For **[more guides](https://support.pabau.com/en/pabau2?hsLang=en)**, browse the related articles below or use the search bar at the top of the page. 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